When intelligence is at work, investing turns into success. ET Money personalizes the investing intelligence, so that you have the freedom to live your choices.
NPS matures when you turn 60.
You can withdraw up to 60% tax-free. With the remaining 40%, you must buy an annuity plan, which gives you a lifelong pension.
But how much pension can you get? What’s the rate of return? Is it a good deal?
A detailed 🧵on annuity calculations.
Who buys lavish apartments for Rs 10-20 CRORES?
You may be aware of their names through news reports.
But what you may not know is the trick they use to buy those houses.
So what is it?
Sell equities, use the gains to buy a property and pay ZERO tax.
A detailed 🧵
NPS Regulator .
@PFRDAOfficial
will soon allow systematic withdrawals.
It means you will be able to withdraw a fixed amount every month from NPS after retirement.
The best part: These withdrawals will be tax-free.
We crunched data to see how it can benefit you.
A thread🧵
PPF matures after 15 years.
But what happens after that?
You get three options. (See image)
But each option has some rules.
Even bank employees and post office staff may not tell you these.
Let’s discuss them in detail to find out which’s best for you.
A thread 🧵
If returns are the same, how do you choose a fund?
Example:
ICICI Pru Bluechip Fund: 42%
Taurus Large Cap: 45%
Both schemes have similar one-year returns. But which one is better?
Let’s compare them on 5 parameters to get the answer. A🧵
Nippon India Small Cap fund has 193 stocks.
And it’s a topper in its category.
Traditionally, over-diversification is considered a bad thing.
But some funds are bucking this trend. (See image)
Let’s deep dive to understand the ‘why’ and ‘how’ of this.
A 🧵
No easy hacks.
No wisdom from books.
No quotes from legendary investors.
Just 10 simple rules to take control of your finances:
Net worth rule
Rule of 72
Rule of 70
100-Age Rule
50-30-20 Rule
6X Rule
20X Term insurance
40% EMI Rule
25X Retirement Rule
10% hike rule
A 🧵
You must have heard this many times.
Invest in equities for the long term.
But what defines long-term?
Is it 5 years, 7 years or 10 years?
We examined the data for the past 24 years to answer this question.
(The answer is in Tweet 3, with reasons 👇)
A thread 🧵
Parag Parikh Flexi Cap has a proven track record.
But it has no exposure to exciting sectors like:
Railways
Defence
Infra
Renewable energy
EV
Rajeev Thakkar, CIO of
@PPFAS
Mutual Fund explains why.
He also shares why PPFAS doesn’t have a small-cap fund.
A 🧵
Two fund houses with a massive fan base:
1.
@PPFAS
Mutual Fund
2.
@quantmutual
Both now manage over Rs 60,000 cr of investor money.
But their investment philosophy & styles couldn't be more different.
We dissect their strategies & see how investors can benefit from both. A🧵
Many investors believe that SIP is the best
#investment
strategy.
It can earn them higher returns.
The logic: It averages the purchase price.
But this is not entirely true.
SIP may not necessarily fetch you better returns.
And it’s NOT an investment strategy.
A 🧵
How unlucky can you get in mutual funds?
You would still be luckier than FD & RD investors.
Here are 10 so-called ‘worst-performing’ equity funds.
You would have still made an inflation-beating 9%.
You take a Rs 1 lakh loan at 14% p.a. for 1 year.
How much interest will you pay?
Hint: It’s not Rs 14,000.
It’s Rs 7,745 (explained later).
Yes, this is how complicated banking products can be. There’s always more than what meets the eye.
A🧵on how numbers can fool you.
Most of us want to invest in the “best” fund.
Not even the 2nd best or the 3rd best, but the absolute best.
But even investing in the ‘worst’ funds isn’t that bad.
You would have made ~12.5% returns if you invested in the WORST FUNDS of the last 10 years.
A thread🧵
Since the Budget, Sovereign Gold Bonds (SGBs) have fallen up to 10%.
Reason: Customs duty reduction on gold (from 15% to 6%).
Sentiments changed.
Earlier, investors believed SGB was the way to invest in gold.
Now, many think it’s the worst investment.
Is that really the
NIFTY 50 has given ~16% return in the past 6 months.
But is the rally driven by fundamentals or sentiments alone?
We looked at 4 different valuation metrics to find out if markets are overvalued right now.
The result: You need to be cautious.
A thread 🧵
Flexi Cap funds can be exciting.
They can invest 100% in large-caps, or mid-caps, or small-caps, depending on mood of the market.
But, surprisingly, they prefer to remain mostly in large-caps. (See image)
Can it impact your Portfolio returns?
We did a detailed analysis. A 🧵
Currently, there are 27 small-cap funds.
Collectively, they have invested in 518 small-cap stocks.
We searched for the most popular ones and identified 7 stocks held by at least 15 funds.
Let's take a quick look at them.
1) Brigade Enterprises
No. of small-cap schemes
PPFAS Flexi Cap manages over Rs 60,500 cr.
Its AUM has grown nearly 35 times in the last 5 years.
But, many investors now worry that performance might suffer due to its colossal size.
Does this really happen?
Is there a link between size and performance? A 🧵
3 BIG changes in health insurance from Apr 1, 2024:
1. No disputes in claims after 5 years of policy coverage
2. Shorter waiting period for pre-existing and specified illnesses
3. No age limit to buy health insurance
Details in the thread. 🧵
SBI vs Nippon Vs Quant Small Cap: Which is better?
We have analyzed the performance and strategies of these 3 popular funds.
Here’s a thread🧵to help you choose the right one. 👇
NIFTY 50 has surged past the 20,000 level.
What’s next? No one knows.
Markets may fall. Markets may rise.
The best investment strategy, therefore, is to continue investing.
Why do we say this? We analysed data. And this was the conclusion.
Check our findings. A thread 🧵
Say you invest every month in a pure equity portfolio.
Alternatively, you invest 70% in equity & 30% in debt. Then, rebalance every year.
In the last 15 years, the equity portfolio would have done better.
Yet, you are better off picking the 2nd portfolio.
Wonder why? A 🧵
BREAKING NEWS
Many small-cap and mid-cap funds may restrict SIP and lumpsum investments.
They may also limit how much you can withdraw.
Reason for all this?
SEBI wants fund houses to stay alert amid crazy inflows to small-cap schemes.
More details are in the thread. 🧵
Parag Parikh Flexi Cap is the 2nd largest actively managed equity fund.
Will its growing size be a problem?
What will be its strategy hereon?
How does
@PPFAS
look at stocks like
#ITC
& HDFC Bank?
The fund house recently discussed all this with their unitholders.
Details in🧵
NPS has been evolving fast.
Since 2018,
@PFRDAOfficial
has tweaked it more than 40 times.
But 5 KEY changes stand out.
They make NPS the NUMBER ONE choice for tax-saving and retirement planning.
A 🧵
For the first time in 31 years, Bajaj Group is coming up with an IPO.
Will Bajaj Housing Finance be a multi-bagger like Bajaj Finance?
We will check the company’s fundamentals.
And also explore the concerns around its high valuations.
Retweet 🧵 to educate more investors.
Nearly 5.5 crore taxpayers have reportedly switched to the New Tax Regime.
Do they have any options to save tax?
Not really.
Almost all the popular tax-saving hacks are available in the Old Regime.
Nonetheless, there are a few options. (See image)
Details in thread 🧵
Invest Rs 50,000 annually in NPS.
And you can create a retirement corpus of Rs 1 - 1.5 crores in 30 years.
You can also reduce your taxable income considerably by investing.
A thread🧵on the most important aspects you need to know about the NPS.
For govt employees,
#NPS
could change forever.
Courtesy, a move by the Andhra Pradesh (AP) govt.
The state plans to bring a GUARANTEED PENSION SCHEME for its employees using NPS.
Reportedly, this move has prompted the Central govt. to look into the AP model.
A 🧵
Today, RBI has come up with 4 BIG updates that hardly anyone is discussing.
These changes can have a direct impact on your finances. So, let’s dive in.
1. You Can Authorise Someone Else To Make UPI Payments From Your Bank Account
The RBI governor proposed introducing a new
Last week, some BIG changes were rolled out in 3 savings schemes:
- PPF
- Senior Citizen Savings Scheme (SCSS)
- Post Office Fixed Deposit
Some of these changes bring cheer
But a few are also unsettling, especially the one in FDs.
Let’s look at them in detail.
A 🧵
Zerodha has started its journey as a fund house.
It offers 2 schemes tracking NIFTY LargeMidcap 250 Index. (See image)
But why this index?
It blends the best of large- and mid-caps.
We decided to check if this index has made money for investors.
Here’s what we found.
A🧵
The latest Sovereign Gold Bond (SGB) issue is here.
You can get 1 gram (or 1 unit) of SGB at Rs 5,873.
Typically, you get old SGBs (traded on stock exchanges) cheaper than the new issue.
But this time, the fresh issue looks like a better deal.
A thread 🧵
#OneMoreChance
#ContestAlert
Didn’t win the iPhone? Well, you have a chance to win a Rs 10k
#Amazonvoucher
.
All you need to guess what will be the monthly price for
#ETMoney
Genius membership.
This is contest is ONLY on Twitter.
Steps and T & Cs below👇👇
SEBI is concerned about Small Cap funds.
Their inflows are on the rise while stock valuations turn expensive.
Redemption pressure can make things ugly if markets fall.
SEBI is taking measures to avoid this.
But you must also keep a check on your fund.
A 🧵on how to do it.
The govt has increased the capital gains tax.
But there are 3 SMART and LEGAL ways to save tax on equities, gold and real estate.
Retweet and share this thread 🧵 to educate more investors.
⇒ SECTION 54
If you have long-term capital gains from selling residential house
HDFC Mid Cap Opportunities is the largest actively managed equity fund.
Its AUM (~ Rs 48,000 cr) is bigger than widely discussed funds like PPFAS Flexi Cap (2nd biggest fund).
But why’s this scheme from
@hdfcmf
such a hit?
We analyzed its performance & strategy. A 🧵
Online sales are irresistible! That 50% discount can make us buy stuff we don't even need. But what really happens with these things? Ever wondered what they think of us? Watch our new short video that sneak peeks in your shoe rack!
#AapkiJebHithMeinJaari
PPFAS Mutual Fund doesn’t often roll out new schemes.
So, when they do, it’s some news.
The fund house has launched a Dynamic Asset Allocation Fund (DAAF).
Interestingly, it isn’t really ‘dynamic’. They are pitching it like a tax-efficient ‘debt’ fund.
Should you invest? A 🧵
Mid Cap & Small Cap schemes have delivered stellar returns.
But imagine an index beating 80% of them in the last 1 year.
It has also beaten other indices. (Table)
Enter
@MiraeAsset_IN
's new factor fund – Nifty MidSmallcap400 Momentum Quality 100.
Should you invest? A 🧵
Returns of small & mid-caps are off the charts.
10-yr CAGR returns:
Mid caps: 22%
Small caps: 21%
Returns are tempting.
But veteran fund manager S Naren feels it’s time to move to something safer.
This advice stems from a lesson he learned in the 1990s.
More insights in🧵
Is the Indian stock market in a bubble?
The answer isn’t a simple yes or no.
Nifty 50 doesn’t look overvalued. (See image)
But the Nifty Midcap 150 index’s valuations will shock you. Let’s break it down.👇
We checked the PE ratio of different indices:
- Nifty 50
- Nifty
2023 was a dream run for investors.
Nifty 50 rose over 20%.
Mid and small caps gave crazy returns.
PSUs had a blockbuster year.
Will this momentum continue in 2024?
We analyzed 4 factors and leaned on data to find answers.
Details in thread 🧵
We put a lot of effort into creating such informative threads.
So, if you find this useful, show some love. ❤️
Please like, share, and retweet the FIRST tweet.
We put a lot of effort into creating such informative threads.
So, if you find this useful, show some love. ❤️
Please like, share, and retweet the first tweet. 👇
Who buys lavish apartments for Rs 10-20 CRORES?
You may be aware of their names through news reports.
But what you may not know is the trick they use to buy those houses.
So what is it?
Sell equities, use the gains to buy a property and pay ZERO tax.
A detailed 🧵
SBI’s 1-year fixed deposit offers 5.75%.
But if you extend the tenure by just 35 days, you can get 7.1% (for a 400-day FD).
At first, it may look irrational.
But there’s a logic to it and a really smart one.
Let us explain.
A thread🧵
Only 7 out of 22 mid-cap funds have beaten NIFTY Midcap 150 in the long run.
HDFC Midcap Opportunity is one of those stand-out performers. (See image)
It has done it despite its huge size (the biggest pure equity fund).
We analyze its performance & strategy. A 🧵
We put a lot of effort into creating such informative threads.
So, if you find this useful, show some love. ❤️
Please like, share, and retweet the first tweet.
UPDATED: LIST OF OUR BEST THREADS
We have written over 200 threads simplifying personal finance.
Wondering which one you should start with?
Here’s a curated list of our 11 MOST-LOVED threads.
If you find them insightful, like ❤️ and repost 🔁 to educate more investors.
Finding stocks to grow your investment by 100 times isn't easy. But it's possible.
India has seen many 100-baggers in the last 20 years.
Let's identify 5 key ingredients to spot future 100-baggers.
For this analysis, we have leaned on Chris Mayer’s book ‘100 Baggers’.
Mayer
10 BIG changes in health insurance have been announced by the Insurance regulator IRDAI.
This includes:
- Cashless admission within 1 hour of request
- Policies for all pre-existing medical conditions
- No age limit to buying policies & many more
Details in 🧵 👇
Which are the MOST CONSISTENT funds of 2023?
To find an answer, we crunched numbers for 5 MOST POPULAR equity fund categories:
1. Flexi Cap
2. Large Cap
3. Mid Cap
4. Small Cap
5. ELSS
Check the name of the schemes in this 🧵
India’s bond moment is here.
No, it isn’t about a Bollywood remake of a James Bond film.
Indian govt bonds have secured a spot in JP Morgan's Emerging Markets bond indices.
This could bring BILLIONS of dollars.
And it can impact bond markets, rupee & your investments.
A 🧵
Budget 2024 has made the New Regime more attractive.
So, taxpayers are again confused.
Which regime is better now? New or Old?
Well, it all boils down to 2 things:
Total income
Tax deductions & exemptions you can avail
Details in thread 🧵
BIG news if you have health insurance.
You can now avail of cashless facilities at any hospital – even those that are not part of your insurer’s network
What is the new rule? Are there any terms & conditions that you need to know?
Let’s find out. A 🧵
NIFTY Smallcap 250 TRI is up 40% in 1 year.
Investors are loving this rally.
At such a time,
@dspmf
has launched a compelling scheme:
An index fund that filters 50 ‘QUALITY’ companies from the small-cap universe.
Is it a better alternative to the broad smallcap index?
A 🧵
If you found this useful, please like, share, and retweet the first tweet to help us reach more readers.😇
For more threads, follow us.👇
Also, click on the bell icon in the profile section, so you don't miss any thread. 🔔
Canara Rob Bluechip
Kotak Mid Cap
Nippon Small Cap
What’s common among these top performers?
They don’t always beat markets during rallies.
But they are great at defending losses.
This is true for all champion funds.
A🧵on what helps TOP funds deliver chart-beating returns.
HDFC Bank vs ICICI Bank vs SBI
Which bank’s stocks should you invest in?
To find an answer, we analyzed them on 5 key parameters:
- Loan portfolio
- Growth
- Efficiency
- Quality
- Stock performance & valuations
Details are in the🧵
Retweet this to educate more investors.
Which stocks have Quant MF (
@quantmutual
) bought & sold recently?
We examined 3 of its biggest schemes & found interesting picks.
1. QUANT SMALL CAP
Increased stake in Orchid Pharma & Apeejay Surrendra Park Hotels.
Reliance continues to be its favourite.
More details in🧵
With over 100 Twitter threads, we have tried our best to simplify finance.
Here’s a carefully curated list of some of our most-loved threads.
It would motivate us to do more if you give this post a like ❤️ and follow our page.
How much pension will you get from NPS after you retire?
Well, it depends on 3 things.
1. Corpus
2. Annuity variant
3. Insurer
Say, a 60-year-old buys an annuity for Rs 1 cr today.
His monthly pension can range from Rs 44,750 to Rs 77,000.
What should you keep in mind?
A 🧵
Small-cap schemes are on fire lately.
But imagine a passive scheme beating 80% of active funds over the last decade.
Enter
@MiraeAsset_IN
's latest fund – Nifty Smallcap 250 Momentum Quality 100.
This index outperforms most other indices. (See image)
Should you invest? A 🧵
Direct Plans in
#mutualfunds
completed 10 years on January 1, 2023.
These plans don’t include commissions, and hence you earn more.
But how much more?
We crunched SIP and Lumpsum data for the past decade to figure it out.
The results are surprising.
A thread 🧵
Want better returns from mutual funds?
Invest in schemes that hold UP TO 50 stocks.
That’s what our analysis shows when we looked at 4 categories:
Large Cap
Mid Cap
Small Cap
Flexi Cap
Of course, there are exceptions, like Nippon India Small Cap (~190 stocks).
Details in🧵
You can choose from 10 NPS fund managers at present.
But picking the right one is crucial.
Why?
The difference between the best & worst performers is sizable. (See image)
So, we crunched the numbers to find the best-performing
#NPS
fund managers.
A 🧵
We put a lot of effort into creating such informative threads.
So, if you find this useful, show some love. ❤️
Please like, share, and retweet the first tweet.
For more threads, follow us.
Also, click on the bell icon in the profile section, so you don't miss any threads.🔔
Learning from others’ mistakes is valuable.
After all, you can't live long enough to make them all yourself.
If you avoid some common SIP mistakes, you can create a 70% bigger corpus.
What are these mistakes? Let’s find out.
A thread 🧵
We are coming up with something huge that’ll reform the way you invest for good.
#newetmoney
Guess what we are coming up with and get a chance to win I phone 13 pro max
#Contestalert
#ETMONEY
#Iphone13promax
Steps and T&CS below:
definitely, not a bug. a genuine situation where we just couldn't pick the year end report for each
@ETMONEY
user. something BIG is rolling in January & let me reveal....in Feb too :)
can't wait to show what we have got for India.
Last 3-year returns:
Flexi-cap funds = 20.2%
A little-known category = 27.1%
Which is this category? Is it a worthy alternative to Flexi-cap schemes?
Let’s dig in. 👇
Retweet this 🧵 to educate more investors.
NIFTY 50 returns in 2023 = 21.4%.
But if you had invested 2% in each of its 50 stocks via the NIFTY 50 Equal Weight index…
…you would have earned 31% returns. That’s nearly 10% points more.
We saw this trend in 2020, 2021 & 2022.
So, is this index better than NIFTY 50?
A🧵
Sovereign Gold bonds (
#SGB
) are touted as one of the best ways to invest in gold.
And the first-ever batch (SGB 2015-1) has proved why.
The 1st SGB issue will mature on Nov 30.
And those who have been holding it for the past 8 years would earn ~13% RETURN.
More details in 🧵
How long is long-term in small-cap funds?
Is it 3 years, 5 years, or something else?
We examined the data for nearly 15 years to answer this question.
(The answer is in Tweet 3, with reasons 👇)
Let’s jump into the analysis. A 🧵
A loved one passes away.
You are the nominee in his mutual funds & shares.
But to transfer these assets, you must go through a lengthy legal process with each fund house & broker.
Painful, right?
From Jan 1, 2024, SEBI’s new initiative can make this less of a hassle.
A 🧵
The latest Sovereign Gold Bond (SGB) issue is open till Mar 10.
You can buy 1 gram (or 1 unit) of SGB at Rs 5,561.
But there’s a cheaper alternative.
You can buy previous issues of SGBs on
#stock
exchanges at a 5-6% discount. (Check image)
Should you buy them?
A 🧵
NPS matures when you turn 60.
But you can also withdraw a part of your corpus well before your retirement.
Here's a quick overview of NPS withdrawal rules. 👇
We put a lot of effort into creating such informative threads.
So, if you find this useful, show some love. ❤️
Please like, share, and retweet the first tweet. 👇
Parag Parikh Flexi Cap has a proven track record.
But it has no exposure to exciting sectors like:
Railways
Defence
Infra
Renewable energy
EV
Rajeev Thakkar, CIO of
@PPFAS
Mutual Fund explains why.
He also shares why PPFAS doesn’t have a small-cap fund.
A 🧵
Imagine you invest Rs 5,000 a month with a jeweller.
Pay for 11 months = Rs 55,000
The retailer adds a month’s instalment = Rs 5,000.
So, you get to buy gold worth Rs 60,000.
You earn nearly 16% XIRR.
But there are 5 details you need to know. A 🧵
Past 1-year returns:
Small Cap Funds: 34%
Mid Cap Funds: 28%
Looks IMPRESSIVE? Here’s the TWIST:
Most of them HAVEN’T BEATEN their benchmark. (See image)
Small Cap Funds: 17/24 underperformed.
Mid Cap Funds: 25/28 underperformed
Why is this the case? What can you do? A 🧵
You've already seen today’s headline: The Repo Rate is unchanged at 6.5%.
But
@RBI
came up with 3 BIG updates that hardly anyone is discussing.
When it comes to your finances, these changes can pack a punch.
Details in 🧵
Budget 2024 has shaken up mutual fund taxation.
- Brought agony to Equity investors.
- Good news for Gold & International Fund investors.
- Confusion for Debt investors.
We will simplify everything here.
Retweet 🧵 to educate investors.
(Note: In the table below, 20% tax is
Say, you took a home loan of Rs 1 crore at 8.5% for 20 years.
Any guesses by which year will you be able to pay back 50% of your principal?
No, it’s not 10 years.
It will take around 14 years. (See table) 👇
Surprised?
A thread 🧵 on how your home loan repayment works.
SEBI told fund houses to stress-test mid-cap and small-cap schemes.
Cue the joke: Fund houses seem cool with this test, but investors on social media look stressed. 😅
There’s a lot of confusion:
What's this test? Was it needed? How does it help?
Let's clear the air. A 🧵
Good news for mutual fund investors troubled with the KYC mess.
Since April 1, over 1.5 crores of investors faced issues with continuing their SIPs, redeeming money, or investing with new fund houses.
SEBI has taken 3 BIG measures to solve their problem.
Details in🧵
5-year SIP returns of NPS Tier 2 equity funds: 20-22%. (See image)
They are as flexible as mutual funds. And allow you easy entry and exit.
But which pension fund manager is the best?
Also, how do they compare with mutual funds?
Let’s dig in. A 🧵
You would have surely heard that SIP is the best way to invest in Mutual Funds. But ever wondered why? Watch
@nitinbhatia121
explain everything about SIPs from how they work and what makes them great in our new video. Watch now!
Paying ZERO tax is possible thanks to the Section 54F of the IT Act.
Basically, the law allows you to save tax if you buy a house using profits earned by selling some investments.
These could be stocks, mutual funds, your stake in a company, and even gold.
We noticed an interesting market trend in the past year.
The broader the index, the better the returns.
Returns of NIFTY 500 > NIFTY 100 > NIFTY 50.
However, the Nifty 500 Equal Weight index trumps all broad-based indices.
But how good is this index? A🧵
Which is the best investment segment right now: large-cap, mid-cap, or small-cap?
Small-cap and mid-cap funds have considerably outperformed large-cap schemes.
Last 5-year category averages:
Large Cap: 19.9%
Mid Cap: 29.6%
Small Cap: 34.2%
This trend may soon reverse, says
Renewable energy stocks are soaring.
In the last year, at least 10 stocks have surged over 100%.
Why? The Indian government is backing renewable energy big time.
And our shift towards green energy is attracting investors.
But how do you pick winners from this space? Let's
SEBI wants mutual funds to halt investments in overseas ETFs starting Apr 1.
Two years ago, they also told fund houses to stop investing in overseas stocks and funds.
But some funds still offer a ticket to invest abroad.
Here’s a🧵simplifying what’s allowed and what’s not.
A simple hack helps you save tax on
#stocks
and
#mutualfunds
.
Here’s what you do:
- Sell your investments
- Book profits & losses
- Repurchase immediately
This is called Tax Harvesting
A 🧵on how it’s done.
One factor index has beaten almost all indices.
It has trumped top-performing indices like the Midcap 150 and Nifty 200 Momentum 30.
We are talking about the Nifty200 Alpha 30 Index.
.
@MiraeAsset_IN
MF has a new fund in this space.
Let’s look at its details. Retweet🧵to
SBI stock’s 5-year SIP returns: 33.5%.
Nifty 50’s 5-year SIP returns: 19.2%.
Seems impressive, doesn't it?
However, SIP in stocks may not be a great idea for wealth creation.
And it is not similar to SIPs in mutual funds.
Here are 3 key reasons. A 🧵
Home loan rates have risen from 6.6% to 9.1%.
It means a 20-yr loan could now be well over 100 yrs (See image)
This ‘UNREASONABLE ELONGATION’ in repayment tenures has miffed
#RBI
.
But why did this happen?
How can borrowers deal with it?
What RBI plans to do about it?
A 🧵